Ūkio paskola

The farm, located in the Panevėžys district, has been operating successfully for several years and specialises in crop production, focusing primarily on grain cultivation. Over time, it has evolved into a modern family-run business oriented toward sustainable production, efficiency improvement, and the adoption of advanced agricultural technologies. All operations are carried out by the family – no hired employees – and the work is performed using owned machinery, including tractors, a combine harvester, and various tillage equipment. According to the 2025 crop declaration, the farm manages 43.49 hectares of agricultural land, the majority of which is used for wheat, barley, peas, and rapeseed cultivation. The farm applies a crop rotation system and uses certified seed varieties, ensuring high productivity and consistent yields. This structure enables effective risk management and maintains stable production performance. The farm implements no-till (conservation tillage) practices, helping to reduce fuel consumption, preserve soil structure, enhance carbon sequestration, and strengthen environmental sustainability. These practices align with the principles of green and climate-smart agriculture, contributing to soil health and emission reduction goals. 

Based on the 2024 financial statements, the farm maintains stable profitability and demonstrates solid financial resilience. Annual sales amounted to €21,811, with €11,929 received in agricultural subsidies, and a net profit of €6,405 was recorded. The farm’s total assets amount to €72,074, of which €35,055 represents fixed assets (land, machinery, and vehicles) and €37,019 represents current assets. Equity totals €42,847, while liabilities amount to €29,227, including €10,667 in long-term loans to financial institutions. These indicators confirm that the farm maintains a strong capital base, good liquidity, and the capacity to service additional financial obligations.

The farm is applying through the Insoil platform for a €16,000 Loan, intended to increase working capital and finance the 2025 farming season’s operations. The funds will be used to cover seed, fertiliser, fuel, and other production-related expenses, ensuring efficient preparation for the season and stable operational continuity.

The farm demonstrates a sustainable operating model, modern technological approach, strong asset base, and positive financial performance. Combining long-term agricultural experience, no-till farming methods, participation in sustainable initiatives, and a solid financial foundation, this project is considered a low-risk, stable, and reliable investment opportunity with clear potential for growth in production volume and value creation.